Teen Driving Safety


Talking to Your Teen About Safe Driving


School is back in session and LOTS of teens are loading up to head to the local football game, corn maze, or other school event. There's never a WRONG time to talk about driving safety with your young driver, so use this as another opportunity to make sure they understand the importance of good driving habits.


When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:

  • Car crashes are the leading cause of death for U.S. teens ages 14 through 18.

  • A teen’s crash risk is three times that of more experienced drivers.

  • Being in a car with three or more teen passengers quadruples a teen driver’s crash risk.

  • More than half of teens killed in crashes were not wearing a seat belt.

You can help your young driver make better decisions behind the wheel, however. Start by setting a good example yourself. And set time aside to have a serious discussion about the following issues, all of which have a large impact on the safety of teen drivers:

  • Speed: Speeding continues to grow as a factor in fatal crashes involving teen drivers. According to CDC.gov, 31% of male drivers aged 15–20 years and 17% of female drivers aged 15–20 years who were involved in fatal crashes were speeding. While a lot of emphasis is rightfully placed on the risks of driving under the influence or while distracted, the danger of speeding is just as important.

  • Alcohol: If drivers are under 21, driving with any amount of alcohol in their system is illegal. It’s as simple as that. And not only does the risk of a serious crash increase once alcohol is involved, jail time is a possibility as well.

  • Seat belts: Teens don’t use their seat belts as frequently as adults, so it’s important to set a good example and always have yours on. Seat belts are the simplest way to protect themselves in a crash, so let teens know that buckling up is mandatory.

  • Phones: Distracted driving is dangerous driving, especially for an inexperienced teen. That means no calls or texting when behind the wheel — no exceptions. Again, it pays to set a good example when you’re driving with your teen in the car.

  • Passengers: The risk of a fatal crash goes up as the number of passengers in a teen driver’s car increases, according to the NHTSA. Depending on your state’s licensing laws for young drivers, limiting your teen to one passenger is a good guideline. (And some states don’t allow teens to have any passengers for a time.)

Of course, any driver needs to have a good grasp on the laws and rules of the road, and, because teens don’t have much experience, it’s important to have regular conversations about safe driving. How teens drive doesn’t just depend on them. It depends on you, too!


At Smart Insurance, we want to partner with you to make sure your young driver gets a good start on their driving experience---and also keeps those insurance rates low!


Contact Us!


At Smart Insurance, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 417-258-2541 or send us a note at info@smartinsuranceagency.com. We want to help you meet your goals, and make sure what's important to you is protected!


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